Home > First National Bank of Georgia > Net charge- offs to loans
First National Bank of Georgia, Net charge- offs to loans
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 5.2313% | 230 |
| Percentage Net Loans Charged-off: Total real estate loans | 5.1739% | 229 |
| Percentage Net Loans Charged-off:Construction & development | 13.5587% | 401 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.4235% | 829 |
| Percentage Net Loans Charged-off: Multi-family residential | 3.9072% | 295 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.6324% | 819 |
| Percentage Net Loans Charged-off: Home equity loans | 1.9134% | 512 |
| All other 1-4 family - Percent of loans charged-off, net | 1.6060% | 828 |
| Percentage Net Loans Charged-off: Commercial and industrial | 7.8243% | 387 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.1368% | 759 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 2,150 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 6.9752% | 92 |
| 2009-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 4.9771% | 231 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.8777% | 216 |
| Percentage Net Loans Charged-off:Construction & development | 13.2205% | 329 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4295% | 1,475 |
| Percentage Net Loans Charged-off: Multi-family residential | 4.8059% | 180 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.6928% | 663 |
| Percentage Net Loans Charged-off: Home equity loans | 2.2245% | 386 |
| All other 1-4 family - Percent of loans charged-off, net | 1.6441% | 678 |
| Percentage Net Loans Charged-off: Commercial and industrial | 7.9194% | 308 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.1037% | 745 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,898 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 6.8926% | 80 |
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 5.1332% | 239 |
| Percentage Net Loans Charged-off: Total real estate loans | 5.0170% | 206 |
| Percentage Net Loans Charged-off:Construction & development | 13.8972% | 293 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5708% | 975 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.1838% | 842 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9005% | 643 |
| All other 1-4 family - Percent of loans charged-off, net | 1.2093% | 809 |
| Percentage Net Loans Charged-off: Commercial and industrial | 8.2246% | 327 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.2057% | 684 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,633 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 6.8839% | 60 |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.9860% | 727 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.0417% | 557 |
| Percentage Net Loans Charged-off:Construction & development | 4.9313% | 570 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6979% | 550 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5678% | 1,132 |
| Percentage Net Loans Charged-off: Home equity loans | 1.8212% | 310 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4558% | 1,222 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9018% | 1,491 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.7885% | 781 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,234 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.5408% | 66 |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.4753% | 391 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.7231% | 252 |
| Percentage Net Loans Charged-off:Construction & development | 6.6421% | 351 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0315% | 2,110 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6001% | 1,041 |
| Percentage Net Loans Charged-off: Home equity loans | 1.5173% | 328 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5197% | 1,104 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8811% | 1,973 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9678% | 2,355 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.5257% | 1,015 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.1816% | 104 |
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.3201% | 608 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.4151% | 429 |
| Percentage Net Loans Charged-off:Construction & development | 3.4091% | 468 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0033% | 1,732 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2544% | 1,488 |
| Percentage Net Loans Charged-off: Home equity loans | 1.2799% | 292 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1644% | 1,769 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5042% | 2,015 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0050% | 1,854 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3338% | 1,005 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.1451% | 84 |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.1875% | 566 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3306% | 361 |
| Percentage Net Loans Charged-off:Construction & development | 3.0622% | 373 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0050% | 1,300 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3407% | 1,043 |
| Percentage Net Loans Charged-off: Home equity loans | 1.6924% | 200 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2223% | 1,270 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1312% | 2,554 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4119% | 3,166 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.5284% | 773 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.1314% | 62 |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0182% | 4,429 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0399% | 8,045 |
| Percentage Net Loans Charged-off:Construction & development | -0.0974% | 7,627 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0224% | 7,954 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0233% | 1,780 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0253% | 1,615 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2668% | 1,512 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4133% | 2,709 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.0305% | 471 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.2674% | 31 |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9027% | 528 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9603% | 243 |
| Percentage Net Loans Charged-off:Construction & development | 1.8066% | 260 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1721% | 861 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4782% | 560 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0165% | 5,988 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5410% | 483 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3265% | 2,316 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9626% | 1,673 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,751 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 1.3482% | 37 |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2678% | 1,504 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2621% | 689 |
| Percentage Net Loans Charged-off:Construction & development | 0.4870% | 397 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0193% | 1,034 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1764% | 1,004 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0220% | 5,984 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2046% | 859 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2205% | 2,152 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4610% | 2,840 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,521 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0505% | 3,652 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0445% | 1,750 |
| Percentage Net Loans Charged-off:Construction & development | 0.0136% | 735 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0297% | 730 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1522% | 938 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1787% | 791 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1100% | 2,145 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0658% | 4,387 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,336 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0948% | 2,273 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0863% | 949 |
| Percentage Net Loans Charged-off:Construction & development | 0.0290% | 380 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0761% | 367 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2452% | 539 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0650% | 6,001 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3003% | 461 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2845% | 1,143 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0289% | 6,793 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 964 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2344% | 1,728 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2414% | 596 |
| Percentage Net Loans Charged-off:Construction & development | 0.5452% | 210 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,308 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0297% | 2,281 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1626% | 359 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,723 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0980% | 2,960 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3963% | 3,358 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,606 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3076% | 1,064 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3275% | 316 |
| Percentage Net Loans Charged-off:Construction & development | 0.7409% | 109 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,012 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0409% | 1,736 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2178% | 232 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,253 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1390% | 2,211 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3491% | 3,214 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,412 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4258% | 725 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4940% | 199 |
| Percentage Net Loans Charged-off:Construction & development | 1.1012% | 62 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 815 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0628% | 1,288 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3273% | 148 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,880 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0168% | 6,774 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1630% | 3,887 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,212 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0047% | 6,608 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,638 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 498 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,349 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,244 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0328% | 6,903 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0354% | 6,794 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 911 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0767% | 4,137 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0656% | 1,682 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2141% | 552 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0030% | 2,989 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0037% | 2,769 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0235% | 3,898 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3848% | 4,106 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,616 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0925% | 3,285 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0888% | 1,206 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2923% | 381 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0020% | 2,586 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0025% | 2,397 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0198% | 3,284 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3238% | 3,934 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,405 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0153% | 4,971 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0006% | 2,524 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 810 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0030% | 2,107 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0038% | 1,941 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0358% | 2,692 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2294% | 4,022 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,156 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0349% | 3,596 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0013% | 1,799 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 511 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0061% | 1,469 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0076% | 1,331 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0879% | 1,685 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5127% | 2,537 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 839 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0981% | 4,242 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0817% | 1,798 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0230% | 1,356 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3202% | 612 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3701% | 543 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0720% | 3,779 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4525% | 4,058 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,643 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0251% | 5,414 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0060% | 3,095 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0277% | 1,034 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0149% | 8,147 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0169% | 8,165 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0044% | 3,612 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3727% | 4,013 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,414 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0177% | 5,309 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0092% | 2,516 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0418% | 788 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0228% | 8,283 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0252% | 8,294 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0133% | 2,995 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1664% | 4,804 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,207 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0078% | 4,870 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0016% | 7,815 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 553 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0066% | 8,132 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0072% | 8,160 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2004% | 1,594 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1957% | 7,859 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 887 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2244% | 3,150 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2129% | 1,049 |
| Percentage Net Loans Charged-off:Construction & development | 0.0028% | 826 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2447% | 740 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5243% | 422 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9208% | 100 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4720% | 506 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1007% | 4,107 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6343% | 3,630 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,856 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1915% | 3,080 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1740% | 1,047 |
| Percentage Net Loans Charged-off:Construction & development | 0.0037% | 649 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3260% | 511 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2280% | 854 |
| Percentage Net Loans Charged-off: Home equity loans | 1.1450% | 67 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0977% | 1,473 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0497% | 3,843 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7047% | 3,013 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,617 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2488% | 2,384 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2658% | 677 |
| Percentage Net Loans Charged-off:Construction & development | 0.0054% | 509 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5942% | 310 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1987% | 862 |
| Percentage Net Loans Charged-off: Home equity loans | 1.7461% | 52 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0248% | 8,530 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,532 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4022% | 3,980 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,407 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5206% | 1,046 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5641% | 276 |
| Percentage Net Loans Charged-off:Construction & development | 0.0108% | 310 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.2644% | 142 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4359% | 385 |
| Percentage Net Loans Charged-off: Home equity loans | 3.4519% | 24 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0170% | 8,522 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0179% | 2,416 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6868% | 2,646 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1352% | 4,543 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0032% | 3,994 |
| Percentage Net Loans Charged-off:Construction & development | -0.0142% | 8,050 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,573 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0320% | 2,617 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0357% | 2,449 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9557% | 1,962 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7263% | 3,273 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,956 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0408% | 6,405 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0055% | 8,464 |
| Percentage Net Loans Charged-off:Construction & development | -0.0017% | 8,148 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,436 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0205% | 8,867 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0221% | 8,889 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3614% | 3,060 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1290% | 6,458 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 2,107 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,876 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0697% | 9,417 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0187% | 7,127 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0019% | 9,072 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0503% | 6,730 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0462% | 7,095 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3227% | 2,665 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0650% | 11,092 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2154% | 5,175 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5686% | 3,801 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |